WATERFORD

HOURS:

Membership at BBCU

You are eligible to join if you live, work, worship, or attend school in Oakland County, Michigan.
(Or you can be qualified for membership through a $30 donation to the School Community Partnership, a community advisory group of the Board of Education for Birmingham Public Schools).

You need a current non-expired driver’s license, or State ID with the correct address.

You need a second piece of identification such as a social security card, passport, insurance card or credit card.

Please have your social security card with you.

Please bring a minimum deposit of $5 cash to begin a “share” account, the basic credit union savings account. You must maintain a minimum of $5 in this account to enjoy member benefits.

Visit either the Birmingham Main Office or Waterford Branch, and have the above documents with you in order to complete the membership process.

*Do Not Include confidential information such as SSN or Account Numbers etc.

Rates:

Loan Rates Effective as of

Loan Type

Rates as low as*

Terms / Information

Automobile

2.99%

Model year up to 10 years old. Loan terms up to 96 months.

Recreational Vehicles

3.99%

Great Terms Available to Fit your Budget!

Other Secured Loans

5.99%

Easy Monthly Payments

Signature Loan

6.99%

Apply Online or Contact a Representative

Premium Line of Credit

12.99%

Get Peace of Mind and Protection from NSF's

Visa Credit Cards

8.9%

Low Fixed Rate Interest Credit Cards

HELOC

5.00%

Home Equity Line of Credit, variable rate loan with a 7-year draw period.

Home Equity Loan

3.99%

Fixed Rates. Terms up to 180 months

*Rates are Annual Percentage Rates. Rates subject to change without notice.The APR is the credit unions standard rate. The rate may vary depending on each individual’s credit history and underwriting factors. All loans are subject to approval and membership eligibility

Loans

As a credit union, we strive to live up to the reputation of offering the lowest rates. Let us help you find the best loan for your needs.

Serving All of Oakland County

Our Story

Birmingham Bloomfield Credit Union’s story began more than 80 years ago with a group of teachers.

This legacy of people helping each other make smart decisions about finances is very much a part of who we are today. Birmingham Bloomfield Credit Union is a member-owned, not for-profit, financial cooperative that was formed to encourage savings by offering a fair return on members’ savings. The Credit Union then used those savings to make loans to other members at competitively low interest rates. Birmingham Bloomfield Credit Union has maintained its strong financial stability and has proven that the convenience and service provided under the cooperative, member-owned and market driven philosophy results in the most safe, secure and successful means of providing financial services.

Our Mission

We strive to improve the financial lives of our members through education, trust and innovative products and services.

Management Team

Andrew StaleyPresident & CEO

Gerard CoyneExecutive Vice President

Linda HatfieldVice President of Marketing

Sue McFatridgeVice President of Operations

Board Of Directors

Richard PerryChairman

John SullivanVice Chairman

Elizabeth MorehouseTreasurer

Norm JuchnoSecretary

Tom FaylorDirector

Bob KupferDirector

Jim StevensonDirector

Testimonials

"I would like to offer my gratitude to BBCU for the help offered me after my purse was stolen. Shannon was my main go-to person and in spite of not feeling well helped me many times to get me up and going once again. Then 2 weeks later, my Debit card was hacked. I was immediately informed by Pam, and we stopped the card and a new one was issued. It’s nice to know that things are watched and we are protected before things get worse. I have been a BBCU member for for 48 years. Thank you for all of the services that is provided to us.

S.W., member since 1967

"Words cannot even explain the joy and relief that I feel right now. Thank you so much for being on top of things as far as whomever took my card information. I thank you again for your quick response and looking out for loyal customers like me. Thank you for your wonderful customer service skills. You all are amazing!

Teah Morris, member since 2012

"I’m proud to say I’ve been a member of the Birmingham-Bloomfield Credit Union for over thirty years. BBCU sets the standard for personal, friendly service and a wide range of financial service options to meet virtually any need as life unfolds. I highly recommend BBCU to anyone looking for great rates and member-focused atmosphere!

Rob Glass, Superintendent of Bloomfield Hills Schools

"Having lived and worked in Birmingham for many years, I would like to commend the Birmingham/Bloomfield Credit Union on their fine personalized service. There are few ‘local’ banking establishments remaining where the staff knows the customers and are ready to suggest services from which they would benefit.This location is a great benefit to the community.

Don Studt, Retired Birmingham Police Chief

"I called the credit union because I needed some assistance with my VISA payment. A staff member named Pam answered my call. I appreciated her patience, professionalism and the extra time she provided in order to serve my needs. I am grateful for the reliable service I received, and it makes me proud to be a member of BBCU.

Mary Mohan, member since 2003

"The staff always goes above and beyond to provide outstanding personal service. When I was having difficulty wiring money to my daughter when she was studying overseas, the BBCU staff found a quick solution for me.

Joe Bauman, president of Birmingham Bloomfield Chamber

"I opened my first ever checking account with BBCU in the 90’s as a college student because my mother was a member at BBCU (then, Birmingham Teachers Credit Union). In 2006 I also became a business account holder. BBCU is all I know and it is all I ever needed to know because it is a full service banking institution, or, banking family, as I like to put it. I cannot think of a single instance over the last two decades that I wasn’t able to speak to a live teller when I called, and I often rely on the great BBCU online banking system. I recently took advantage of the free Notary service at BBCU and performed my first wire transfer with their assistance. It sounds so cliché, but BBCU lives and breathes personal service and I am proud to be a member. Thanks BBCU (and Mom)!

Kelly Lewis, member since 1991

"I have been a member at BBCU for over 7 years as I chose your credit union to obtain three auto loans during that time. Your bank was initially chosen by myself in 2010 for having one of the best interest rates for auto loans. When the partnership with your credit union began, I had no working knowledge of the people BBCU employed or expectations as to customer service. BBCU was strictly chosen due to its interest rate. Since our relationship began, I have been most pleased with your bank. I have accounts with various financial institutions and with such various types of experience and customer service interactions. With that being said, I wanted to take a moment to let you know that I have been impressed by the customer service I receive on a routine basis from the members at your Birmingham branch location. It is the type of customer service I have received that has won over my loyalty for your institution. Most recently I have been working with Jenny from your finance department. Jenny has been an outstanding resource for me and is truly an asset to your organization. Please take a moment to praise all of your employees as they are routinely go above and beyond for their customers.